Mortgage Refinance Abilene TX
Your Existing Mortgage Might Be Costing You More.
Refinancing through a mortgage broker means rate shopping works in your favor just like it did when you bought.
What Is a Mortgage Refinance?
A refinance replaces your existing mortgage with a new one. Most homeowners refinance to secure a lower interest rate, reduce their monthly payment, shorten their loan term, or access equity they’ve built in the home. Whatever your reason, the process works the same way it did when you purchased, and the broker advantage applies just as much the second time around.
Mortgage Refinance Brokers
Your Original Lender Doesn’t Matter. Your Best Rate Does.
Love & Love Mortgage refinances loans for Texas homeowners regardless of where their original mortgage came from. If you financed through a bank, a national lender, or another broker and are now looking for a better rate or a different loan structure, you’re in the right place.
We’ve helped homeowners refinance through rising markets, falling markets, and everything in between. When the timing is right for your situation, we’ll tell you. When it isn’t, we’ll tell you that too, because the relationship matters more than any single transaction.
What a Refinance Can Do For You
Getting a Better Rate on Your Existing Home Is Worth Exploring.
Lower Your Interest Rate
The most common reason to refinance is to replace a higher-rate mortgage with a lower one. Even a modest reduction in your rate can meaningfully lower your monthly payment and reduce the total interest you pay over the remaining loan.
Adjust Your Loan Term
Refinancing gives you the opportunity to restructure your timeline. Moving from a 30-year to a 15-year loan builds equity faster and reduces total interest paid. Moving in the other direction lowers your monthly obligation.
Access Your Home’s Equity
A cash-out refinance allows you to borrow against the equity you’ve built, replacing your current mortgage with a larger one and receiving the difference in cash. Homeowners use this for home improvements, debt consolidation, major expenses, and more.
Multiple Loan Types Available
Refinances are available across conventional, FHA, VA, and other eligible programs depending on your existing loan and financial situation. We’ll identify which program and structure makes the most sense for what you need.
Common Questions About Refinancing
How do I know if refinancing makes financial sense right now?
The general rule of thumb is that a refinance makes sense when you can recover the closing costs through monthly savings within a reasonable timeframe. The right answer depends on your current rate, your remaining loan balance, how long you plan to stay in the home, and what rates are available today.
Can I refinance even if I didn’t originally get my mortgage through Love & Love?
Absolutely. We refinance loans for Texas homeowners regardless of who originated the mortgage. If you have an existing mortgage and want to explore whether a better rate or different structure is available, we’re happy to take a look.
What types of refinances do you offer?
We offer rate-and-term refinances, which adjust your interest rate or loan term without changing the balance, and cash-out refinances, which allow you to access equity you’ve built. Refinances are available across conventional, FHA, VA, and other eligible programs.
How long does a refinance take?
A refinance typically takes 30 to 45 days from application to closing, similar to a purchase loan. The timeline depends on how quickly documentation comes together and how smoothly the appraisal and underwriting process moves.
What Our Clients Say
Abilene Home Buyers Trust Us With One of the Biggest Decisions of Their Lives.
Used them three times now and will continue to use them.
“Chris and Linda are wonderful people and make the finance side of buying a house very simple and calming. We’ve used them three times now and will continue to use them for all of our housing needs. Thanks Chris and Linda!”
– James
Top of the line service each time.
“We have worked with Chris and Linda now twice and have experienced top of the line service each time. They are knowledgeable, kind, patient and punctual. We have recommended Love & Love to friends, who have had equal success working with them. We’re states away now but wish we could work with them again! High quality service that exudes confidence and knowledge of their field! “
– Aubree Browning
Combines professionalism with true care for their clients.
“From start to finish, they were patient, transparent, and genuinely focused on helping me make the best financial decision. Every question I had was answered clearly, and the entire process felt smooth and stress-free. It’s rare to find a team that combines professionalism with true care for their clients, but they absolutely deliver.”
– Austin Smith
Let’s Find Out What You Qualify For.
Not sure where to start? Linda and Chris can answer your questions, walk through your options, and tell you exactly what you qualify for, in a free 30-minute conversation with no strings attached.